
The UK is bringing buy now pay later into regulated credit on 15 July 2026 with FOS rights, affordability checks and Section 75-equivalent protections. The US went the other way, with the CFPB withdrawing its BNPL Interpretive Rule in May 2025 and state-level patching now filling the federal vacuum. We map the divergence.

The FCA launched a sector-wide review of CMCs on motor finance claims on 7 May 2026. Here is what it found, and why you probably do not need one.
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